Call reports 2013
FNB BANK — 2013
What FNB BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 368,526,000 | 365,100,000 | 350,832,000 | 354,758,000 |
| Total loans | 206,304,000 | 210,093,000 | 216,555,000 | 215,890,000 |
| Allowance for loan losses | 3,667,000 | 3,649,000 | 3,561,000 | 3,622,000 |
| Securities available for sale | 95,676,000 | 101,390,000 | 96,403,000 | 95,132,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 325,325,000 | 323,481,000 | 308,756,000 | 313,419,000 |
| Interest-bearing deposits | 254,251,000 | 254,583,000 | 250,107,000 | 254,141,000 |
| Noninterest-bearing deposits | 71,074,000 | 68,898,000 | 58,649,000 | 59,278,000 |
| Equity capital | 42,266,000 | 41,041,000 | 41,455,000 | 39,470,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,733,000 | 7,590,000 | 11,619,000 | 15,707,000 |
| Interest expense | 515,000 | 1,047,000 | 1,582,000 | 2,124,000 |
| Net interest income | 3,218,000 | 6,543,000 | 10,037,000 | 13,583,000 |
| Noninterest income | 690,000 | 1,501,000 | 2,333,000 | 1,066,000 |
| Noninterest expense | 2,682,000 | 5,345,000 | 8,089,000 | 11,053,000 |
| Provision for loan losses | 14,000 | 30,000 | 54,000 | 85,000 |
| Pretax income | 1,204,000 | 2,661,000 | 4,219,000 | 3,503,000 |
| Income tax | 333,000 | 666,000 | 999,000 | 774,000 |
| Net income | 871,000 | 1,995,000 | 3,220,000 | 2,729,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,957,000 | 42,080,000 | 43,305,000 | 41,586,000 |
| Total capital | 43,827,000 | 45,140,000 | 46,378,000 | 44,778,000 |
| Risk-weighted assets | 228,817,000 | 244,192,000 | 245,329,000 | 254,909,000 |